Homeowner's Insurance and a Leaking Pipe Claim

Written by lisa east hunter
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Leaking pipes can be an expensive and troublesome problem for homeowners. When to call the insurance company is determined by a number of factors, including the policy, the deductible, and the extent of the damage done by the leaking pipe.

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Assess the Damage

Typically, the leaking pipe itself is not covered by a homeowner's insurance policy. The damage caused by the leak, however, may be covered.

Homeowner's Insurance and a Leaking Pipe Claim
Damage done by a leaky pipe.

Policy

Homeowners should check their policy in regard to water damage. If water damage is covered, repairs can be paid for by the insurance company.

Deductible

Many homeowners carry a high deductible on their insurance policies. If the deductible exceeds the cost of repairs, it may not be wise to process the claim.

Processing the Claim

Once the claim is processed, the homeowner may be required to provide the insurance company with pictures of the damage and all stages of repair.

Records

Homeowners should keep records of all work done to fix the leaking pipe. The insurance company will want to see photographic evidence. The homeowner should photograph work done by a plumber and keep any pieces of carpet or wall that were removed when the leak was repaired.

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